Download the Medicare and You brochure. For more Medicare information, you can also contact Weber’s Insurance by calling us at (928) 445-8720.

Medicare offers four types of insurance, Part A, B, C and D, as follows:

MEDICARE PART A. Everyone who signs up for Medicare automatically receives Medicare Part A insurance. Part A is hospital insurance and it covers your hospital bills.

How is Medicare Part A paid for? Actually, you or your spouse have been paying for Part A all along through Medicare taxes. Therefore, most people who apply for Medicare will not pay a monthly premium.

Your Medicare Part A will hospital services your receive as an inpatient such as, an overnight stay for the hospital room, your meals, and the nursing services you receive. In addition, Medicare Part A will cover hospice and home health care services.

Download the free brochure Medicare and You.

MEDICARE PART B. Medicare Part B is medical insurance designed to help pay for your doctor bills. Part B is optional and you can choose whether enrollment is right for you based upon other factors. You will pay a monthly premium for Part B.

Medicare Part B will covers inpatient and outpatient care you receive at your doctor’s office, a hospital or other health care facility. In addition, Medicare Part B covers required laboratory tests, physical therapy, rehabilitation services and ambulance services.

MEDICARE PART C. Medicare Part C is called Medicare Advantage and it adds more specific types of coverage to your overall Medicare Insurance. It includes private care plans that include medical savings accounts, managed care plans and even private fee-based plans.

Download the free brochure Medicare and You.

MEDICARE PART D. Medicare Part D (“D” stands for “Drugs”) is insurance that has to do with prescription drug coverage. Everyone who is Medicare elibible may obtain Medicare Part D coverage. Like Part B and Part C, Medicare Part D is optional for all participants. There is a monthly premium for Medicare Part D.

Download the free brochure Medicare and You.

Government designed plans are the Medicare Supplements or Medigap policies. They come in 12 standard choices with two of the choices available with a simple modification. The choices are called Plan A, Plan B, Plan C, Plan D, Plan E, Plan F, Plan G, Plan H, Plan I, Plan J, Plan K and Plan L and the modified plans are the High Deductible Plan F and the High Deductible Plan J.

As the letters increase from A to J, the coverage generally increases and the premiums are generally higher. Plans K and L are lower coverage and lower cost alternatives. The high deductible versions simply impose a deductible before the insurance company pays any benefits as a way to cut your health insurance premium costs.

One important thing to remember. You don’t have to waste much time trying to figure out which company’s Plan F Medicare Supplement is better than the other company’s. The government designed the coverage and the insurance company is just providing the benefits. Cost is the only difference between two or more Plan F policies other than customer service and quality of company issues.

Government contracted plans are the Medicare Advantage, Medicare Cost, Medicare PPO, and Medicare Private Fee For Service (PFFS) plans. For these plans, the insurance company and the government enter into a contract.

As a perhaps an oversimplification, the government essentially provides the money and the insurance company provides the benefits and plan administration. The concept is that private industry can offer more senior health benefits with the same money in exchange for some plan restrictions on your part, and they often do just that.

A Medicare Advantage Private Fee–for–Service plan works differently than a Medicare supplement plan. Your doctor or hospital can continue to treat you if it agrees to accept the insurance company’s terms and conditions of payment, and thus may choose not to treat you, with the exception of emergencies.

If your doctor or hospital does not agree to accept our payment terms and conditions, they may choose not to provide health care services to you, except in emergencies.